Kekaha, HI · Charter 2578
NCUA · 1 branch
Q2 2018
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.38% | 0.25% | 0.58% | 0.26% | 0.72% | 0.66% | -1.26% | -0.60% | -86 bps | |
| Return on Equity | 1.89% | 1.23% | 2.88% | 1.33% | 3.50% | 3.18% | -6.26% | -2.98% | -431 bps | |
| Net Interest Margin | 2.61% | 2.73% | 2.40% | 2.40% | 2.62% | 2.58% | 2.49% | 2.53% | +13 bps | |
| Efficiency Ratio | 84.19% | 87.35% | 88.20% | 80.57% | 75.19% | 77.21% | 148.26% | 123.87% | +4,330 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.93% | 0.56% | 1.28% | 3.94% | -0.99% | -0.17% | 0.05% | -1.88% | -582 bps | |
| Loan Growth (YoY) | 2.89% | 3.36% | -3.70% | -7.05% | -9.19% | -10.62% | -5.68% | -8.82% | -177 bps | |
| Share Growth (YoY) | 3.10% | 0.14% | 2.79% | 6.67% | -0.31% | 1.73% | -0.09% | -2.88% | -955 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.04% | 2.12% | 2.08% | 2.11% | 4.20% | 5.47% | 6.66% | 3.76% | +165 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.78% | 1.75% | 1.71% | 2.03% | 2.04% | 2.09% | 1.95% | 1.76% | -27 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.96% | 20.16% | 20.00% | 19.51% | 20.67% | 20.86% | 20.19% | 20.10% | +59 bps | |
| Net Worth / Assets | 19.96% | 20.16% | 20.00% | 19.51% | 20.67% | 20.86% | 20.19% | 20.10% | +59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.56% | 81.52% | 74.96% | 74.19% | 73.39% | 71.62% | 70.77% | 69.65% | -454 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |